AIA HealthShield Gold Max Special - brochure Feb ... - AIA Singapore

AIA HealthShield Gold Max Special
Enjoy up to 4.3% yearly premium discount
Exclusively for Public Service Officers and Employees of AIA Nominated
Companies
AIA HealthShield Gold Max Special, a guaranteed yearly renewable Medisave-approved
medical plan allows you to enjoy up to 4.3% savings on your premiums while providing the
same benefits as AIA HealthShield Gold Max. You will continue to enjoy the premium discount
upon renewal as long as you are still working in the Public Service or for an AIA Nominated
Company.
Discounted premium rates are extended to your family too!
Sign up for your spouse and/or unmarried children and enjoy the same discounted
premium rates!
AIA HealthShield Gold Max Special
Discounted Annual Premium Rates (S$ and inclusive of 7% GST)
Age Next Birthday
Payment via CPF Medisave # and/or cash
A B C
1 - 20
21 - 30
31 - 40
41 - 50
51 - 55
56 - 60
61 - 65
66 - 70
71 - 73
74 - 75^
192
223
327
614
984
1,101
1,601
2,160
2,718
3,036
137
158
248
501
736
768
1,074
1,754
2,245
2,467
106
132
198
336
487
518
694
888
1,170
1,357
Premium rates do not remain level throughout the life of the policy and will increase with age. The
premiums quoted are not guaranteed and are expected to be adjusted from time to time in line with our
claim experience, medical inflation cost and general cost of treatment, supplies or medical services in
Singapore. The actual percentage of the premium rate discount is not guaranteed and is subject to change
from time to time at the sole discretion of AIA.
#
The current Medisave withdrawal limit per Insured per policy year is:
• S$800 for age 75 and below next birthday
• S$1,000 for age 76 to 80 next birthday
• S$1,200 for age 81 and above next birthday
^Maximum entry age is 75 years old next birthday. Premium rates for ages 76 and above next birthday
are for renewal only. Please refer to the product summary.

Enhance your AIA HealthShield Gold Max Special with the following plans:
AIA HealthShield Gold Max Essential is the perfect complement to your AIA HealthShield
Gold Max Special as it covers the deductible and co-insurance portions of your hospital
bill. You’ll also enjoy valuable additional benefits such as daily hospital incentive, posthospitalisation
home nursing and alternative medicine (for cancer and stroke), emergency
outpatient treatment due to an accident, etc. Premiums for this plan are payable by
cash only. For more information, please refer to the AIA HealthShield Gold Max/AIA
HealthShield Gold Max Essential brochure.
AIA Health CashPlus complements your coverage by providing you with a cash income
during hospital stays as compensation for potential loss of earnings, and to help you cope
with one-off expenses that may come your way. Enjoy up to 20% discount on your
AIA Health CashPlus premiums if you are also covered by an AIA HealthShield Gold Max
series plan. Premiums for this plan are payable by cash only. For more information,
please refer to the AIA Health CashPlus brochure.
Apply Now!
To find out more about the plans, please contact your AIA Financial Services Consultant
today! Alternatively, you may contact our AIA Customer Care Hotline at 1800 248 8000 or
email us at sg.corporatecare@aia.com
An AIA Nominated Company is a company selected by AIA. AIA reserves the right to nominate any
company it chooses to be an AIA Nominated Company, at its sole discretion. The discounted premium
rates will cease if certain events as set out in the Policy Contract occur, such as leaving the Public
Service or an AIA Nominated Company. Thereafter, the standard premium rates apply to you and
your spouse/unmarried children from the next policy anniversary. Please refer to page 9 of the AIA
HealthShield Gold Max/AIA HealthShield Gold Max Essential brochure for the standard premium rates.
Important Notes:
These insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R)
(“AIA”). All insurance applications are subject to AIA’s underwriting and acceptance. This brochure
insert is not a contract of insurance. The precise terms and conditions of these plans, including
exclusions whereby the benefits under these plans may not be paid out, are specified in the relevant
policy contracts. You are advised to read the relevant policy contracts. This is only product information
provided by us. You should seek advice from a qualified adviser if in doubt. Buying health insurance
products that are not suitable for you may impact your ability to finance your future healthcare needs.
You are discouraged from switching from an existing accident and/or health insurance policy to a new
one without considering whether the switch is detrimental, as there may be potential disadvantages
with switching. A penalty may be imposed for early policy termination and the new policy may cost
more or have fewer benefits at the same cost.
AIA HealthShield Gold Max Special is issued under a joint insurance arrangement with the Central
Provident Fund (CPF) Board to enhance the coverage provided by MediShield. Please note that you can
use your CPF Medisave account to purchase only one Medisave-approved medical insurance scheme
per Insured at any one time. The information in this brochure insert is correct as at 21 February 2013.
AIA Singapore Private Limited (Reg. No. 201106386R)
1 Robinson Road, AIA Tower, Singapore 048542 Monday - Friday 8.45am - 5.30pm
AIA Customer Care Hotline: 1800 248 8000 aia.com.sg
SGPD2013001-221-21022013

AIA HEALTHSHIELD GOLD MAX
AIA HEALTHSHIELD GOLD MAX ESSENTIAL
PROTECTION
Is your Shield plan
keeping up with
the times?
Introducing AIA HealthShield Gold Max, a Medisave-approved
medical plan that helps you cope with rising healthcare costs.
aia.com.sg

AIA HealthShield Gold Max and Max Essential 3
72 %
of Singaporeans agree
that they cannot afford
to get sick these days
due to the high
medical costs*
AIA HealthShield Gold Max and AIA HealthShield Gold Max Essential
represent the basic components of comprehensive health insurance
planning.
Medical or
hospital
expense plans
“I’m concerned about
paying for medical
expenses if I am
hospitalised.”
Hospital income,
or hospital
cash plans
“I’m concerned
about loss of income
or expenses not covered by
my basic medical plan.”
Personal
accident plans
“I’m concerned
about medical bills
and loss of income
if I am injured
in an accident.”
Critical
illness plans
“I’m concerned about
the costs associated
with a major illness,
like Cancer.”
*Source: Singapore’s Emigration Conundrum, The Business Times, 6-7 October 2012

AIA HealthShield Gold Max and Max Essential 4
As the common saying goes: your health is your wealth.
It couldn’t be more true
Unexpected medical expenses could represent a significant threat to your finances. If you have
no protection, or only partial protection, the impact on your savings might be substantial. Wise
financial planning involves both saving for the things you want and protecting yourself against the
unexpected. Isn’t it time to consider a plan that helps with both?
AIA HealthShield
Gold Max
AIA HealthShield Gold
Max is a medical expense
reimbursement plan
that offers protection
against medical bills. It
reimburses your medical
bills up to the amount
charged and offers
unlimited lifetime claims 1 .
You pay:
You pay:
Your medical bill
Co-insurance
Deductible
AIA HealthShield
Gold Max +
AIA HealthShield
Gold Max Essential
AIA HealthShield Gold
Max Essential is an
optional add-on that
fills the gaps of your
AIA HealthShield Gold
Max plan by reimbursing
the deductible and
co-insurance portions
of your hospital bill.
This means you enjoy
coverage from the first
dollar.
AIA HealthShield Gold Max and AIA HealthShield Gold
Max Essential offer affordable lifetime protection against
unexpected medical bills.
About AIA HealthShield Gold Max
AIA HealthShield Gold Max is a Medisave-approved medical expense
reimbursement plan designed to meet most of the medical expenses you
are likely to incur in public or private hospitals in Singapore, to lessen
your financial burden.
AIA HealthShield Gold Max offers you a choice of 3 plan types to
match your individual needs, allows unlimited lifetime claims 1
and most of the benefits under AIA HealthShield Gold Max A and B
are offered on an ‘as charged’ 2 basis. If you prefer treatment in a lower
ward of class in a public hospital, AIA HealthShield Gold Max C will cover most of your hospital
bill up to the stipulated benefit limits 2 , therefore offering you affordable medical coverage.
Enjoy more extensive coverage with these benefits:
• Covers inpatient stay in Community Hospital
• Congenital abnormalities benefit for insured (no waiting period) and female insured’s
biological child 3
• Living donor organ transplant benefits for insured and non-insured donor
• Post-hospitalisation psychiatric treatment
• Additional claim limits and extended post-hospitalisation treatment for 30 critical illnesses
• Waive one year’s premium upon total and permanent disability
Please refer to the Benefit Table for details.
Guaranteed
lifetime renewal
and unlimited
lifetime claims 1
USE
your
CPF
Affordable premium payments using your CPF
You can simply use your CPF Medisave funds 4 to pay for
AIA HealthShield Gold Max premiums for you and your family members.

AIA HealthShield Gold Max and Max Essential 6
Benefits of AIA HealthShield Gold Max
Limits of Compensation (S$ and inclusive of GST)
Plan Type A B C
Hospital Ward Entitlement
1. Hospitalisation and Surgical Benefits
Daily Room and Board Benefit
Daily ICU Benefit
Community Hospital Benefit (per day)
Surgical Benefit
(include Organ Transplant Benefit and
Stem Cell Transplant Benefit)
• Surgical Procedures 5
• Surgical Implants and Approved
Medical Consumables
• Stereotactic Radiosurgery
2. Pre-Hospitalisation Benefit
(within 100 days before confinement)
3. Post-Hospitalisation Benefit
Post-Hospitalisation Treatment
(within 100 days after confinement)
Extended Post-Hospitalisation
Treatment for 30 Critical Illnesses
(within 100 days following the expiry
of Post-Hospitalisation Treatment)
4. Accidental Inpatient Dental
Treatment Benefit
Standard Room in
Private Hospital
and below
Standard Room in
Government/
Restructured Hospital
As Charged
As Charged
As Charged
Standard Room in
Private Hospital
and below
Subject to the respective Limits of Compensation
applicable to benefits under points (1) to (3)
450 per day
900 per day
450 per day
As Charged in
Government/
Restructured Hospital 6
7,000 per treatment
9,600 per procedure
500 per confinement
1,000 per confinement
5. Pregnancy Complications Benefit 7 As Charged NIL
6. Congenital Abnormalities Benefits
For female insured’s biological child
from birth 8
For insured
7. Living Donor Organ Transplant
Benefits
Insured donating an organ
Non-insured donating an organ to the
insured
8. Emergency Overseas Medical
Treatment Benefit
20,000 per lifetime
Limit to 5,000
per child
60,000
per transplant
16,000 per lifetime
Limit to 4,000
per child
Subject to the respective Limits of Compensation
applicable to benefits under points (1) to (3)
40,000
per transplant
NIL
20,000
per transplant
Subject to the respective Limits of Compensation
applicable to benefits under point (1)
Limits of Compensation (S$ and inclusive of GST)
Plan Type A B C
Hospital Ward Entitlement
9. Psychiatric Treatment Benefits
In-Hospital Psychiatric Treatment
Post-Hospitalisation Psychiatric
Treatment
(within 200 days after confinement)
10. Outpatient Benefits 9
Radiotherapy for cancer
Stereotactic Radiotherapy for cancer
Chemotherapy for cancer
Immunotherapy for cancer
Renal Dialysis
Erythropoietin
Approved Immunosuppressants
prescribed for organ transplant
Standard Room in
Private Hospital
and below
5,000 per policy year
5,000 per policy year
Standard Room in
Government/
Restructured Hospital
As Charged
4,000 per policy year
2,500 per policy year
Standard Room in
Private Hospital
and below
3,500 per policy year
500 per policy year
280 per day
2,000 per treatment
1,240 per month
700 per month
24,000 per policy year
5,000 per policy year
5,000 per policy year
11. Final Expense Benefit 9 5,000 per policy 3,500 per policy 2,500 per policy
12. Waiver of Premium for 1 year Benefit
(upon Total and Permanent
9, 10
Disability)
Waive one year’s premium
13. Extra Cover for 30 Critical Illnesses
Benefit
Maximum Claim Limit
Maximum Limit per policy year
Maximum Limit per lifetime
100,000 per policy year
Unlimited per lifetime
600,000
Unlimited
75,000 per policy year
Unlimited per lifetime
450,000
Unlimited
30,000 per policy year
Unlimited per lifetime
150,000
Unlimited
Pro-ration Factor 6 NIL 70% 50%
Deductible (per policy year)
Below age 82 next birthday 11
C class ward
1,500
B2 class ward
2,000
B1 class ward
2,500
A class ward
3,500
Private Hospital (All ward types, except day
3,500
surgery and short stay ward)
Day surgery/Short stay ward
2,000
Co-insurance 10%
Last Entry Age (next birthday) 75
Maximum Coverage Period
Lifetime
1,500
2,000
2,500
2,500
2,500
2,000

AIA HealthShield Gold Max and Max Essential 8
About AIA HealthShield Gold Max Essential
AIA HealthShield Gold Max Essential is an optional add-on that complements your
AIA HealthShield Gold Max plan to cover any deductible or co-insurance portions of your
hospital bill.
Benefits of AIA HealthShield Gold Max Essential
Limits of Compensation (S$ and inclusive of GST)
Plan Type A B C
Additional valuable benefits include:
• Daily hospital incentive
• Immediate family member accommodation
• Post-hospitalisation alternative medicine (for cancer and stroke)
• Post-hospitalisation home nursing
• Emergency outpatient treatment due to an accident
Are you already adequately protected?
While CPF Medisave, CPF MediShield, and employer-provided health benefits offer some level of
protection for most people, these measures do not add up to a comprehensive lifetime solution:
Hospital Ward Entitlement
Deductible and Co-insurance
Daily Hospital Incentive Benefit 12
Standard Room in
Private Hospital
and below
250 per day
(Admission in
Government/
Restructured Hospital
B1/B2/C class ward)
150 per day
(Admission in
Government/
Restructured Hospital
A class ward)
Standard Room in
Government/
Restructured Hospital
Covered
150 per day
(Admission in
Government/
Restructured Hospital
B2/C class ward)
100 per day
(Admission in
Government/
Restructured Hospital
B1 class ward)
Standard Room in
Private Hospital
and below
50 per day
(Admission in
Government/Restructured
Hospital C class ward)
CPF Medisave
A serious accident or illness could wipe out
your entire account balance.
Immediate Family Member
Accommodation Benefit 13
(upon physician’s or specialist’s advice in
writing for period of confinement)
Standard charges
for an additional bed
Standard charges
for an additional bed
Up to 70 per day
Standard charges
for an additional bed
Up to 50 per day
CPF MediShield
May cover a portion of the medical cost.
Coverage ends when you reach 90 years old.
For more information, please visit www.cpf.gov.sg.
Post-Hospitalisation Alternative
Medicine Benefit 13
for cancer and stroke
(within 100 days after confinement)
Post-Hospitalisation Home Nursing
Benefit 13
(within 26 weeks after confinement)
Emergency Outpatient Treatment due to
Accident Benefit
5,000 per policy year 3,000 per policy year 1,000 per policy year
500 per day
5,000 per policy year
300 per day
3,000 per policy year
100 per day
1,000 per policy year
Employee health
benefits
Coverage typically ends when you leave the
company or retire.
2,000 per policy year 1,000 per policy year 500 per policy year

AIA HealthShield Gold Max and Max Essential 10
Annual Premiums (S$ and inclusive of GST)
AIA HealthShield Gold Max
Age Next Birthday
A B C
1 - 20
21 - 30
31 - 40
41 - 50
51 - 55
56 - 60
61 - 65
66 - 70
71 - 73
74 - 75 14 200
232
341
639
1,025
1,147
1,667
2,250
2,831
3,162
143
165
258
518
763
800
1,119
1,827
2,339
2,570
110
136
207
345
500
533
723
925
1,219
1,414
AIA HealthShield Gold Max Essential
Age Next Birthday
A B C
Example
Mr Khor, a 32-year-old sales engineer is covered under the AIA HealthShield Gold Max A with
AIA HealthShield Gold Max Essential A plan. After experiencing an unexplained weight loss and
blood in his stool, he visited a specialist for a colonoscopy examination, which revealed a stage 3
colon cancer. He was hospitalised in a Government Hospital A class ward for 30 days and underwent
surgery. After being discharged from the hospital, Mr Khor went for chemotherapy treatments for a
year. His condition has now stabilised.
The following table illustrates the list of benefits and claims payable by AIA:
Medical Expenses
Amount Payable (S$)
Pre-Hospitalisation Benefit (specialist consultation and colonoscopy) 549
Hospitalisation and Surgical Benefits
• Daily Room and Board (30 days in Government Hospital A ward)
• Surgery
Outpatient Benefit
• Chemotherapy for cancer
Total medical expenses subject to Deductible and Co-insurance
Less Deductible (not applicable to Outpatient Benefit)
27,243
10,590
31,458
69,840 (X)
3,500 (Y)
1 - 20
330
21 - 30
350
31 - 40
390
41 - 50
430
51 - 55
530
56 - 60
730
61 - 65
1,120
66 - 70
1,730
71 - 73
2,220
74 - 75 14 2,260
215
235
260
370
480
695
1,005
1,660
2,170
2,205
140
160
190
295
435
525
825
1,125
1,345
1,565
Balance less Deductible 66,340
Less 10% Co-insurance (10% x S$66,340)
AIA HealthShield Gold Max A pays
AIA HealthShield Gold Max Essential A pays:
• Deductible and Co-insurance
• Daily hospital incentive (S$150 x 30 days)
6,634 (Z)
59,706 (X–Y–Z)
10,134 (Y+Z)
4,500
Mr Khor pays 0
Premium rates do not remain level throughout the life of the policy and will increase with age.
The premiums quoted are not guaranteed and are expected to be adjusted from time to time in line
with our claim experience, medical inflation cost and general cost of treatment, supplies or medical
services in Singapore.

AIA HealthShield Gold Max and Max Essential 12
Frequently Asked Questions
It is always our intention to write in plain English, and to be as transparent as possible when
describing our products. The questions and answers below reflect the most common concerns
raised by our customers. If you have any other questions not addressed here, please ask your
AIA Financial Services Consultant for more information. Alternatively, you may visit our website
at aia.com.sg or contact our AIA Customer Care Hotline at 1800 248 8000.
Q1. Am I eligible to apply for AIA HealthShield Gold Max for myself and my family members?
You can apply for AIA HealthShield Gold Max for yourself and your family members
(grandparents, parents, spouse or children) if you and your family members are Singaporeans or
Singapore Permanent Residents aged 75 years or below on your/their next birthday.
Q2. How can I pay premiums for myself and my family members?
AIA HealthShield Gold Max premiums can be paid from your CPF Medisave account, subject to the
CPF Medisave withdrawal limit 4 . If you have insufficient funds in your CPF Medisave account, or if
your premium exceeds the CPF Medisave withdrawal limit 4 , the balance of the premium payment
must be made by cash. AIA HealthShield Gold Max Essential premiums can only be paid by cash.
Q3. Will my premium change when I renew my policy?
Your premium will change as you move into the next age group.
Q4. Are these plans guaranteed renewable?
Yes, they are guaranteed yearly renewable on your policy anniversary date by payment of the
annual premium in advance before the end of the grace period.
Q5. Do I have to take a medical examination?
Subject to underwriting, you may be required to take a medical examination.
Q6. What are deductible and co-insurance?
The deductible is a fixed amount of up to a stipulated amount on a policy year basis that you have
to pay first before the benefits are paid. The co-insurance is a fixed percentage of the medical bill
that you have to pay after deducting the deductible amount.
Q7. What conditions are excluded under these plans?
Exclusions common to many medical expense reimbursement plans apply to AIA HealthShield
Gold Max and AIA HealthShield Gold Max Essential, including:
• Pre-existing conditions, which means any illness or condition that occurred before the date
your policy began or the date your policy was last reinstated, whichever is later (unless a
declaration has been made by the Insured at the time of application or reinstatement of the
policy and we have specifically accepted the application).
• Treatment for infertility, sub-fertility, assisted conception or any contraceptive operation
and sex change operations.
• Treatment arising from injuries sustained during wars (whether war be declared or not), civil
commotion, riots, revolutions, strikes, nuclear reaction or any war-like operations.
There are other conditions whereby the benefits under these plans will not be payable. You are
advised to read the policy contracts for the full list of exclusions.
Q8. Is there a waiting period before I am eligible for certain benefits?
There are waiting periods applicable to some benefits under these plans. Such benefits shall
not be payable if the condition relating to or covered by the benefits is diagnosed during the
waiting period. These waiting periods start from the date your respective plan began, the last
reinstatement date of your respective plan (if any) or effective date of plan upgrade (if any),
whichever is latest.
(i) For pregnancy complications benefit, a waiting period of 10 months applies.
(ii) For congenital abnormalities of insured’s biological child from birth, a waiting period of
10 months applies.
(iii) For insured (as living donor) donating an organ, a waiting period of 24 months applies.
The date the recipient of the organ is first diagnosed with organ failure must be after the
24 months waiting period.
Q9. Can I buy AIA HealthShield Gold Max Essential after my AIA HealthShield Gold Max plan
is incepted?
Yes you can. However, the waiting periods applicable to benefits under AIA HealthShield Gold
Max Essential will start from the inception date or the last reinstatement date of the rider,
whichever is later. Please refer to the policy contract for more information.
Q10. How will I receive my claim payout?
Most benefits payable under the plans are paid on a reimbursement basis (except for Waiver of
Premium Benefit (upon Total and Permanent Disability) under AIA HealthShield Gold Max and
Daily Hospital Incentive Benefit under AIA HealthShield Gold Max Essential), which means that
any claim needs to be supported by original hospital or medical bills.
Q11. Can I change my mind and cancel the policy after I’ve purchased?
Yes you can. You may cancel AIA HealthShield Gold Max by writing to us within 2 calendar
months from the date you receive your AIA HealthShield Gold Max policy document (free-look
period). You may cancel AIA HealthShield Gold Max Essential by writing to us within 14 days
from the date you receive your AIA HealthShield Gold Max Essential policy document (free-look
period) or within the free-look period of your AIA HealthShield Gold Max (whichever is later).

AIA HealthShield Gold Max and Max Essential 14
1
Subject to policy year limit and any overall benefit limits.
2
We shall pay the Eligible Expenses incurred, subject to any applicable Pro-ration Factor,
Deductible and/or Co-insurance and any other benefit limits as stated in the Benefit Table and
subject to the terms and conditions of the policy contract.
3
This benefit is not applicable to AIA HealthShield Gold Max C plan.
4
The current Medisave withdrawal limit per Insured per policy year is:
• S$800 for age 75 and below next birthday
• S$1,000 for age 76 to 80 next birthday
• S$1,200 for age 81 and above next birthday
5
Surgical Procedures refer to the types of surgical operations listed in the “Table of Surgical
Procedures” under the Medisave Scheme operated by the Ministry of Health excluding all
surgical operations stated in the General Exclusions and any other surgical operations that
are not specified in the “Table of Surgical Procedures”. The costs of any surgical implants,
Approved Medical Consumables and/or Stereotactic Radiosurgery procedure are not included
in this portion of the benefit.
6
For AIA HealthShield Gold Max B, all Eligible Expenses incurred are subject to the Pro-ration
Factor, if such expenses are incurred in a private hospital/private medical institution or
any hospital outside of Singapore. For AIA HealthShield Gold Max C, only Eligible Expenses
incurred for Surgical Procedures under Surgical Benefit is subject to the Pro-ration Factor if
such expenses are incurred in a private hospital/private medical institution or any hospital
outside of Singapore.
7
Pregnancy complications covered are Ectopic pregnancy, Pre-eclampsia or eclampsia,
Disseminated Intravascular Coagulation (DIC), Miscarriage (after 21 weeks of pregnancy),
Acute Fatty Liver Pregnancy and Choriocarcinoma and Hydatidiform Mole.
8
Reimburse Eligible Expenses incurred during the first 24 months from date of birth of the child.
9
Eligible Expenses incurred under the Outpatient Benefit are not subject to the Deductible but
are subject to Co-insurance. The Final Expense Benefit and Waiver of Premium for 1 Year Benefit
(upon TPD) are not subject to either the Deductible or Co-insurance. Eligible Expenses incurred
under all other benefits are subject to the Deductible and Co-insurance.
10
The benefit expires on the policy anniversary occurring on or immediately following the
insured’s 70 th birthday. Please refer to the policy contract for the exact definitions of Total
Permanent Disability.
11
For ages 82 and above next birthday, please refer to the product summary.
12
Exclude day surgery, short stay ward in an emergency department of a hospital, hospitalisation
in a community hospital, hospitalisation overseas due to emergency and hospitalisation due to
psychiatric condition.
13
These benefits are not payable if the insured is diagnosed and confined in a hospital due to a
psychiatric condition.
14
Maximum entry age is 75 years old next birthday. Premium rates for ages 76 and above next
birthday are for renewal only. Please refer to the product summary.
Important Notes:
These insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R)
(“AIA”). All insurance applications are subject to AIA’s underwriting and acceptance. This
brochure is not a contract of insurance. The precise terms and conditions of these plans,
including exclusions whereby the benefits under these plans may not be paid out, are specified
in the relevant policy contracts. You are advised to read the policy contracts. This is only product
information provided by us. You should seek advice from a qualified adviser if in doubt. Buying
health insurance products that are not suitable for you may impact your ability to finance your
future healthcare needs. You are discouraged from switching from an existing accident and/or
health insurance policy to a new one without considering whether the switch is detrimental, as
there may be potential disadvantages with switching. A penalty may be imposed for early policy
termination and the new policy may cost more or have fewer benefits at the same cost. AIA
HealthShield Gold Max is issued under a joint insurance arrangement with the Central Provident
Fund (CPF) Board to enhance the coverage provided by MediShield. Please note that you can use
your CPF Medisave account to purchase only one Medisave-approved medical insurance scheme
per Insured at any one time. The information is correct at the time of printing (16 January 2013).
About AIA Group
AIA Group Limited and its subsidiaries (collectively “AIA” or “the Group”) comprise the
largest independent publicly listed pan-Asian life insurance group. It has operations
in 16 markets in Asia Pacific – wholly owned branches and subsidiaries in Hong Kong,
Thailand, Singapore, Malaysia, China, Korea, the Philippines, Australia, Indonesia,
Taiwan, Vietnam, New Zealand, Macau, Brunei, a 92 per cent subsidiary in Sri Lanka
and a 26 per cent joint-venture in India.
The business that is now AIA was first established in Shanghai over 90 years ago. It is
a market leader in the Asia Pacific region (ex-Japan) based on life insurance premiums
and holds leading positions across the majority of its markets. It had total assets of
US$119,494 million as of 31 May 2012.
AIA meets the savings and protection needs of individuals by offering a range of
products and services including retirement savings plans, life insurance and accident
and health insurance. The Group also provides employee benefits, credit life and pension
services to corporate clients. Through an extensive network of agents and employees
across Asia Pacific, AIA serves the holders of more than 24 million individual policies and
over 10 million participating members of group insurance schemes.
AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong
Limited under the stock code “1299” with American Depositary Receipts (Level 1) traded
on the over-the-counter market (ticker symbol: “AAGIY”).

AIA Singapore Private Limited
(Reg. No. 201106386R)
1 Robinson Road, AIA Tower, Singapore 048542
Monday - Friday 8.45am - 5.30pm
AIA Customer Care Hotline: 1800 248 8000
aia.com.sg
SGPD2013001-186-16012013